RBS 2013 Annual Report Download - page 229
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Business review Risk and balance sheet management
227
Credit risk
228 Definition
228 Sources of credit risk
228 Credit risk governance
229 Risk management
229 - Product/asset class concentration framework
229 - Credit risk assessment
230 - Controls and assurance
230 Risk measurement
231 Credit risk assets
232 - Divisional analysis
233 - Sector and geographical regional analyses
236 - Asset quality
237 Risk mitigation
238 - Lending
241 - Counterparty credit risk
242 Early problem identification and problem debt management
242 - Wholesale
243 - Wholesale forbearance
245 - Retail
245 - Retail forbearance
250 - Recoveries
250 - Group impairment loss provisioning
250 - Provisioning methodology
251 - Impact of forbearance on provisioning
251 - Write-offs
252 Key loan portfolios
252 - Commercial real estate
258 - Residential mortgages
261 - Personal lending
262 - Interest only retail loans
265 - Ulster Bank Group (Core and Non-Core)